Allianz Fraud Data For H1 2025

Originally published by Insurance Edge on September 23, 2025.

Allianz UK detected more than 15, 800 insurance fraud cases valued at £92.6 million during the first half of 2025, representing a 34% increase from the £68.9 million identified in the same period of 2024. The insurer attributes rising fraud levels to economic pressures and weak penalties for lawbreaking, which encourage opportunistic claims fraud.

Fraud trends across motor and casualty lines include persistent application fraud from ghost brokers using increasingly sophisticated tactics, organized gangs targeting moped riders in the gig economy, exaggeration of non-tariff injuries, and claim ballooning where straightforward initial submissions rapidly expand after liability admission. The insurer employs machine learning models, voice analytics tools, and enhanced broker collaboration to detect these schemes.

As part of its evolving fraud defense strategy, Allianz UK has partnered with Carpe Data to help identify suspect personal injury fraud. This partnership joins other technology collaborations including voice analytics provider Clearspeed. Ben Fletcher, Director of Fraud at Allianz UK, emphasized that the insurer is taking "a proactive, multi-layered approach to detection and prevention" combining technology and human expertise to protect honest customers and preserve industry integrity.

The expanded use of detailed data systems that can flag red indicators like county court judgments and MOT failures at the first notification of loss stage represents the insurer's response to fraudsters who view claims as quick financial fixes. Read the full article at Insurance Edge.